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Savings Accounts


People-centric banking

Membership Savings

When you become a member with Deseret First, you open yourself to a different kind of banking. We are a community that fosters provident living. Additionally, we recognize we’re stronger together and we’re ready to help! You become an equal member and owner, which gives you more control of your financial future! Own it.
  • Great source of emergency funds
  • Free cash withdrawals at CO-OP or DFCU ATMs (debit or ATM card required)
  • Federally insured by the NCUA up to $250,000
Join Our Flock
Savings Account Rates
Account TypeRateAPY
Membership Savings0.10%0.10%
Special Savings0.10%0.10%
IRA Savings0.20%0.20%
Rates quoted as annual percentage yield (APY). The APY applies to balances beginning at $0.01 for Special & IRA Savings and $30.00 for Membership Savings. Fees could reduce earnings. Rates subject to change after account opening. Additional products and rates are listed here.
close up of hands counting dollar bills

Special Savings

After you get your membership savings, you can add an unlimited number of other accounts! These special savings can be used for goals, budgeting, or vacations. You can even name the account, so you know what’s going where!
  • Competitive interest rates
  • Quick account transfers either online or in-person
Kick-start your savings

Membership Requirements

Are you wondering what it takes to join our ranks? We’d love to have you as part of the Deseret First family! At DFCU, we focus on serving members of The Church of Jesus Christ of Latter-day Saints and their families. We’ve expanded our member base even further to include Employer Groups. Please see our requirements page for the full list of terms and to see who’s included in the group list. View Qualifications
Verified Credit Union Account
ID verification is required to open an account.
Conditions of membership
To open an account, you must fulfill one of the conditions for membership.
Minimum Deposit opening
We require an initial deposit and a minimum balance of $25.00 for Membership Savings accounts.

Apply online today! For questions or to apply directly with a representative, call 801-456-7000 or 800-326-3328. Available weekdays: 8am-7pm, Sat: 9am-2pm. Additionally, you may visit any Deseret First Branch.

69,000 members strong & we’ll still remember your name!

Apply now to become more than a number:

Join our community